Head-to-head, from CMS Plan Year 2026 data.
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Ohio is the cheaper of the two: a 40-year-old pays about $625/month for the median Silver plan, versus $807 — a difference of $182/month (29%) before subsidies.
| Ohio | Texas | |
|---|---|---|
| Median Silver @40 | $625 | $807 |
| Cheapest Silver @40 | $482 | $540 |
| Most expensive county @40 | $924 | $1,409 |
| Age 27 | $395 | $443 |
| Age 60 | $1,023 | $1,146 |
| Carriers | 11 | 15 |
| Counties | 88 | 254 |
| 1-carrier counties | 0 | 7 |
| Plan types | HMO | EPO, HMO, POS |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Ohio or Texas. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
You do not have to wait for the next open enrollment. A permanent move between these two opens a 60-day special enrollment period from the day you arrive, which is the window in which you would pick from the 15 carriers writing across Texas’s 254 counties. Watch the fine print: qualifying coverage for at least one day in the preceding 60 is generally required, and a move for medical care or a vacation does not count.
There is no transfer to request. Ohio coverage stops, Texas coverage starts, and the premium is rebuilt from your new county rather than carried over.
Molina Healthcare and UnitedHealthcare write on both sides of the line — Ohio fields 11 carriers in total, Texas fields 15. Keeping the same insurer smooths the admin and changes little else, since the network is rebuilt per state.
Neither state sells a PPO. All 88 Ohio counties and all 254 in Texas offer HMO, EPO or POS only, so care outside the network is generally an emergency-only benefit — the binding constraint if you will need routine appointments in both.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Ohio and another in Texas. The cost lands on care received in whichever of the two you did not choose.
State averages hide enormous county-level spread. Whichever of Ohio or Texas you are in, your ZIP is what sets your premium.